Benton County Homes with USDA Loan Financing

Benton County Homes with USDA Loan Financing

Welcome to Benton County, Missouri—a hidden gem nestled in the heart of the Ozarks, where picturesque landscapes meet a vibrant community spirit. Home to the charming city of Warsaw, Benton County offers a unique blend of natural beauty and small-town charm, making it an ideal place for families, retirees, and anyone seeking a tranquil lifestyle.

With its stunning lakes, lush forests, and rolling hills, Benton County is a haven for outdoor enthusiasts. Whether you enjoy fishing, hiking, or simply soaking in the scenic views, the area is brimming with recreational opportunities. The nearby Truman Lake provides a perfect backdrop for water sports, while the Ozark National Scenic Riverways offers breathtaking trails and pristine waters for kayaking and canoeing.

For those considering a move to Benton County, the housing market offers an array of options, from cozy cottages to spacious family homes. One of the standout features of this area is the availability of USDA Loan Financing, which makes homeownership more accessible for many. This government-backed loan program is designed to assist low to moderate-income families in purchasing homes in rural areas, and Benton County qualifies! With no down payment required and competitive interest rates, this financing option opens the door to your dream home in this idyllic setting.

In Benton County, you’ll find a warm community, excellent schools, and a slower pace of life that encourages connection and relaxation. Explore the possibilities of making this charming region your new home, and experience the joy of living in a place where nature and community harmoniously coexist. Your dream home awaits!

Newest Benton County Homes with USDA Loan Financing

32243 Barbara Road, Warsaw
$339,900
3 Beds ⋅ 2 Baths
YOUR OWN PIECE OF PARADISE NEAR THE LAKE! This beautiful 3 Bdrm 2 bath home with outbuildings, sits on 3 gorgeous acres just minutes from the lovely lake community of Warsaw, MO. Just minutes from award winning Drake harbor & a short drive to Long Shoals Marina, which boasts of some of the best fishing in the country! This wonderful home has soaring vaulted ceilings, open floorplan for living & dining. Kitchen has plenty of cabinet space & a large island for gathering. Appliances are included! Main floor has two nice size bedrooms & a large full bath. The expansive upper level is currently being used as a guest room, but large enough to divide into family room & bedroom. Upper level includes full bath, two large closets, storage room and a cozy private balcony with gorgeous views! Just off the kitchen, a large deck for entertaining after a day on the lake. A covered back deck and fenced backyard was added by the homeowner just recently. So many places to enjoy this beautiful property. A 26x30 heated shop & large carport for the boat, vehicles or a workshop. A large storage shed near the home for all those extras. This property has it all and for a great price! Hurry! This one won't last!

32243 Barbara Road, Warsaw

Listing courtesy of Debra Anderson of Anstine Realty & Auction, LLC.
28233 Oxbow Drive, Warsaw
$649,900
4 Beds ⋅ 4.5 Baths
THIS is how Lake of the Ozarks living should feel! Near the 84 Mile Marker on the Osage Arm, this waterfront home gives you the things that can be surprisingly hard to find at the lake—PAVED ROADS all the way home, nearly an acre of land and a gentle approach to the water. But what really sets this home apart is how beautifully it lives from indoors to out. The kitchen, featuring upgraded Bosch appliances, opens to a large lake-view entertaining room made for a house full of family and friends. Open the door and the party spills onto the upper deck, with stairs leading directly to the lawn, water and your private covered dock. It’s one easy path from kitchen to cocktails to boat! With 4 bedrooms, 3 full and 2 half baths, there’s room to spread out. Three bedrooms and laundry are on the main level, while downstairs is an incredible second primary retreat with its own living space, full bath, second laundry, huge custom closet and a SAUNA that stays! Two attached garages offer parking for up to FOUR vehicles, and the lake-side lower garage even has its own half bath. The home has been extensively refreshed with LVP flooring, interior paint, lighting, hardware, landscaping and more. At the water, the upgraded dock is already set for summer with a newer boat lift, new electrical, 35-ft gangway, TWO PWC lifts and swim platform. Even the HOA makes life easier—just $55/month for the community sewage treatment system, shared well, road maintenance, common-area landscaping and access to a community boat ramp. Less hassle. More lake. THAT’S the point.

28233 Oxbow Drive, Warsaw

Listing courtesy of Kat Laxague of EXP Realty LLC.
12127 hoffman Avenue, Ionia
$599,000
3 Beds ⋅ 2 Baths
Welcome to this exceptional 10-acre property offering the perfect blend of modern living, privacy, and incredible outbuilding space. Built in 2024, this beautiful 3-bedroom, 2-bathroom home features a bright and inviting open-concept floor plan designed for comfortable everyday living and entertaining. The heart of the home is the stunning white kitchen, complete with abundant cabinetry, stainless-steel appliances, modern finishes, and a large island that opens seamlessly to the living and dining areas. The clean, contemporary design and natural light create a warm and welcoming atmosphere throughout the home. Outside, the property truly sets itself apart. A spacious 40' x 60' shop features both 12-foot and 14-foot overhead doors, offering tremendous flexibility for equipment, vehicles, hobbies, storage, or a workshop. In addition, the property includes an extra detached garage, providing even more space for vehicles, toys, equipment, or storage. It has fenced yard surrounding the home. It has a separate shed with a dedicated storm shelter . With 10 acres and no restrictions, there is plenty of room to enjoy the property your way. Conveniently located with easy highway access. Come see everything this property has to offer!

12127 hoffman Avenue, Ionia

Listing courtesy of Nadia Fray of RE/MAX Central.
29194 Serene Avenue, Warsaw
$189,900
2 Beds ⋅ 1 Baths
Escape to your ultimate lake retreat with this charming two-bedroom, one-bath cabin designed for effortless, relaxed living. The bright and inviting open-concept floor plan seamlessly connects the kitchen, dining, and living areas, making the home feel spacious and perfect for entertaining. Moving past the main living space, a convenient on-site garage provides secure parking and excellent storage for your water toys and outdoor gear. The true highlight of this property is its exceptional outdoor living design, starting with a breezy, screened-in porch where you can sip your morning coffee or unwind after a day on the water. This space extends naturally onto an adjoining sun deck that is ideal for summer barbecues, while the surrounding yard features a dedicated fire pit area perfect for stargazing and roasting marshmallows under the night sky. Boaters will especially appreciate the incredible convenience of a community boat launch located just a short walk from the front door. Tucked away in a serene, quiet lake community, this home offers the perfect blend of peaceful privacy and easy accessibility, sitting just 11 miles from the vibrant dining, shopping, and festivals at downtown Warsaw and Drake Harbor. Whether you are looking for a vacation rental, a peaceful weekend getaway, or a cozy year-round permanent home, this property is ready to let you start enjoying the lake life immediately.

29194 Serene Avenue, Warsaw

Listing courtesy of Kenneth Hoyle of Anstine Realty & Auction, LLC.
1110 Jackson Street, Warsaw
$549,000
3 Beds ⋅ 2.5 Baths
Welcome to another stunning masterwork by renowned builder Jim McGovern. This property delivers sophisticated elegance, top tier craftmanship and rock-solid reassurance of a home built to last. Expansive main living areas designed for effortless daily flow and grand entertaining. Rich trim, high ceilings and beautiful millwork throughout. At the heart of this designer kitchen is a large center island with quartz countertops, offering generous prep space & an expansive walk-in pantry. Modern matte black fixtures & custom soft close cabinetry, while an open-concept layout flows effortlessly into the sunlit dining area and living areas. Escape to the stunning main level primary suite with relaxing soaker tub & expansive custom walk-in closet. The primary closet has easy access to the laundry room. Also on the main level, you will find a mudroom featuring custom cabinetry & a half bath. The lower level features a spacious family room, a convenient kitchenette area, two beautiful additional bedrooms and a full bathroom, all complimented by tons of storage space. Home features an upper composite covered deck and a lower concrete patio create space for outdoor fun & separate zones for relaxing &dining. Main level three car garage for maximum parking. All this on a beautifully treed 1/2 acre lot with dual access, perfect for adding an outbuilding. Just a walk away from the newer community pool & beautiful Lay Park. Just a golf cart ride away from restaurants, boutique shopping & Award Winning Drake Harbor! Featuring new playgrounds, bike rentals and beautiful lighted walkways around the famous Lake of the Ozarks. Come to historic Warsaw Missouri and enjoy world renowned fishing & boating. This one won't last, make your appointment now!! Its time, buy that Lake house!

1110 Jackson Street, Warsaw

Listing courtesy of Debra Anderson of Anstine Realty & Auction, LLC.
33260 Golden Acres Road, Lincoln
$800,000
3 Beds ⋅ 2 Baths
Turnkey lakefront property offering approximately 600 feet of shoreline and everything you need to enjoy life at the lake. This well-maintained home features 3 bedrooms, 2 full bathrooms, along with two separate living areas providing plenty of space for family and guests. Home is equipped with a whole-house attic fan, helping improve airflow and energy efficiency during cooler months. The screened-in porch overlooks the lake and is the perfect place to relax while taking in the water views. Outside, you'll find an attached garage, a 2-car carport with parking available in front of carport, and an additional storage garage ideal for lawn equipment. The oversized detached 2-car garage/workshop offers ample space for a boat, side-by-side, tractor, lawn mower, and other recreational equipment including generator with hookup. The structure was originally designed with the potential to add living quarters above, offering future expansion opportunities. The property includes a private 1-slip dock with a homemade outdoor shower for rinsing off after a day on the water. Dock is 20x20 and the slip is 10x24 slip with lift. Included second-tier lots provide additional privacy by preventing future development directly behind the home. Whether you're looking for a full-time residence, weekend getaway, or vacation property, this move-in-ready lake home offers abundant storage, exceptional shoreline, and room to enjoy all that lake living has to offer!

33260 Golden Acres Road, Lincoln

Listing courtesy of Kelli Vann of Homes by Darcy LLC.
23142 Salley Drive, Warsaw
$244,500
3 Beds ⋅ 2 Baths
Every now and then, a home comes along that simply feels like the right place to slow down and enjoy life. Tucked into the Paradise Point community, this inviting 3-bedroom, 2-bath home blends modern updates with the relaxed lifestyle that draws so many to the Truman Lake area. The open floor plan creates an easy gathering space, while the kitchen features butcher block countertops, stainless steel appliances, and thoughtful finishes that add warmth and character. The main-level primary bedroom offers daily convenience, while 2 additional bedrooms and a bathroom upstairs provide flexible space for guests, hobbies, and more. Outside, the detached garage offers ample space for vehicles, tools, and all the gear that comes with lake living. With community access to a boat ramp at the 84 MM of Lake of the Ozarks, a swim area, and Truman Lake just moments away, weekends can be as adventurous, or as peaceful, as you choose. This isn't just a home near the lake…it's a place to enjoy the lifestyle that comes with it.

23142 Salley Drive, Warsaw

Listing courtesy of ANGIE SEATON of INTEGRITY HOME TEAM.
1104 Jackson Street, Warsaw
$595,000
3 Beds ⋅ 3.5 Baths
Perfectly situated in the gorgeous Truman Lake town of Warsaw, MO. Voted one of the top lake towns in the state of Missouri! This exquisite 3 brm 3 1/2 bath home has been meticulously crafted by Jim McGovern Homes, consistently celebrated for exceptional craftmanship & timeless design. The seamless open floorplan ensures guests can mingle across areas without feeling left out. The main living area boasts of hardwood floors, stone gas fireplace & soaring ceilings. A highly optimized kitchen is complete with custom cabinets, beautiful quartz counters & pantry. Rare 3 suite layout. This home features 3 large master bedrooms with ensuite & walk-in closet. Two on the main floor & one in the lower level walk-out. Other features include main floor 1/2 bath, large mudroom & laundry room with beautiful custom cabinetry. Wonderful covered porch with maintenance free composite decking. Lower level showcases spacious family room with kitchenette, 3rd master suite, bath, three large storage rooms & a 16x16 unfinished room for 4th bedroom or golf cart garage. Lower level seamlessly flows out to an expansive patio with plenty of room for entertaining. This gorgeous lake home is ideal for multiple families with its ability for communal entertaining and private retreats. Just a walk away from the newer community pool & beautiful Lay Park. Just a golf cart ride away from restaurants, boutique shopping & Award Winning Drake Harbor! Featuring new playgrounds, bike rentals and beautiful lighted walkways around the famous Lake of the Ozarks. Come to historic Warsaw Missouri and enjoy world renowned fishing & boating. Its time, buy that Lake house! You won't regret it!!

1104 Jackson Street, Warsaw

Listing courtesy of Debra Anderson of Anstine Realty & Auction, LLC.
11045 Foothills Lane, Warsaw
$385,900
3 Beds ⋅ 4 Baths
Experience one of the most breathtaking, year-round views of Truman Lake from this move-in ready home just outside Warsaw, MO. Situated on just over 2 acres, this rare property combines panoramic lake views, privacy, and just under 3,000 finished square feet… an exceptional combination that's hard to find. The open-concept living space was designed to capture the incredible scenery, with expansive windows that fill the living, dining, and kitchen areas with natural light and showcase the lake in every season. Two main-level bedrooms each feature private en-suite bathrooms. The finished walkout lower level offers a spacious second living area, an additional bedroom and a full bathroom, providing flexible space for guests, a home office, recreation, or hobbies. The wooded lakeside setting and mature trees create a peaceful, secluded atmosphere, while three garage spaces and abundant parking provide room for vehicles, boats, and lake toys. The home is all electric, fully turnkey, and ready for immediate enjoyment. A rented marina boat slip is available to transfer to the new owner if desired, and for those ready to embrace lake life from day one, the current boat lift and boat are also available for purchase separately at closing. Opportunities to own a property offering this level of privacy, acreage, move-in-ready condition, and truly breathtaking year-round Truman Lake views are few and far between.

11045 Foothills Lane, Warsaw

Listing courtesy of ANGIE SEATON of INTEGRITY HOME TEAM.
31700 Jules Trail, Other
$89,900
3 Beds ⋅ 1 Baths
Own this 3-bedroom, 1-bathroom ranch-style home nestled on a spacious 0.96-acre lot. With approximately 1,248 square feet of comfortable living area, this property features an attached 1-car garage which provides an opportunity for additional space for storage and other purposes. Located in Warsaw, the lot gives closer to nature scenery.

31700 Jules Trail, Other

Listing courtesy of Michael Zouglas of REO Xpress LLC.
Gore/Keevon Road, Lincoln
$30,000
There are 8 lots, (lots 5, 6, 7, 12, 13, 14, 15, and 16) that when combined amount to 1.38 Acres. There is electricity but there is currently no septic system or water. in place There is a propane tank on the site that has 70% tank reading. There is a mobile home on the property which is need of some repair and updating. There has been a driveway to the residence that has now gown over. These lots are a little over 200 to 300 yards from the lake. There are two main roads, one on each side of the property that go past the property on down to the lake.

Gore/Keevon Road, Lincoln

Listing courtesy of Donn Quick of Home Realty.
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